Posts Tagged ‘insurance quotes’

Washington Car Insurance for Teens

Wednesday, July 7th, 2010

Teen drivers tend to pay more for their car insurance coverage. Since they are new to being behind the wheel, teens are more likely to be involved in car accident. Teenage boys as a group are responsible for a large number of accidents, and the amount they are asked to pay for coverage can be quite high.

Despite the fact that car insurance for teens can be expensive, there are some things you can do to try to keep costs down. One solution you may want to consider is adding your teen to your insurance policy instead of having him or her try to get a separate policy. Do approach your current insurance provider to find out how much it would cost to do this.

A change to your personal situation, such as wanting to add another driver to your policy, is a good time to shop around to make sure you are getting the best rate for your coverage. Going online to get quotes from several insurance companies will let you know whether you should stay with your current insurance provider or if it’s time to move on to a different company that can give you better rates for the coverage you need.

The best time to start looking for car insurance quotes is a couple of months before your current policy expires. That gives you time to consider your options, make a decision, arrange for a new policy and cancel the old one if that’s what you decide to do.

How to Make a Claim for Nevada Auto Insurance

Sunday, July 4th, 2010

When you are involved in an accident, the first step to making a claim for damage to the vehicle is to notify your car insurance company. Many carriers have an 800 number that you can call on a 24-hour basis to make an initial report. After the insurance company receives the information, it will assign an adjuster to your claim.

The adjuster will contact you to find out what happened and may talk to the other driver involved as well. He or she will review police reports and take a look at your vehicle. The adjuster may also ask to see the other driver’s car.

Once the adjuster has gathered all of the information, you will be provided with an estimate for the cost of repairing the vehicle. As a car insurance consumer, you will want to make sure that the car has been inspected thoroughly and that any hidden damage issues have been addressed before you agree to a settlement. Once you have signed off on the repairs for the vehicle, you don’t have the right to go back and reopen negotiations.

Keep in mind that you can always choose to take your car to your own mechanic or have an independent person inspect it and work up a quote for the repair costs. This may cause delays in processing the claim, though.

Nevada Car Insurance Minimum Requirements

Saturday, July 3rd, 2010

The state of Nevada has passed a law requiring drivers to have a certain level of insurance coverage in place. At least $15,000 of bodily injury liability coverage must be in force to pay for injuries incurred by one person in a car accident. A full $30,000 in liability insurance to pay for injuries suffered by everyone injured in a single accident is also required.

Property damage liability insurance is also required in Nevada. At least $10,000 in coverage to pay for the cost of repairing the other driver’s vehicle, as well as any other objects damaged in the accident must be put in place.

Unlike some states, Nevada does not require drivers to purchase uninsured/underinsured driver coverage. This type of coverage is recommended, though. It protects a person who is injured in a car accident due to the actions of a person who either has no insurance or who doesn’t have enough coverage to pay damages. Even though there are penalties in place for driving without insurance, it is not enough of a deterrent to make all drivers buy the required level of coverage. This extra protection can be added to a standard car insurance policy if desired.

Buying only the minimum level of car insurance coverage is perfectly legal, and for people who want to keep the cost of insurance down, it may be tempting. Car insurance customers always have the option of putting a higher level of protection in place.

Arizona Car Insurance and Driving Out of State

Thursday, July 1st, 2010

If you decide to go out of state to a jurisdiction with a higher minimum level of coverage than what AZ has mandated, are you still protected? In most cases, your car insurance coverage extends to providing you with at least the minimum level of coverage required in the state with the higher minimums. You should check your policy or contact the company or your agent before hitting the road to be sure.

It’s always a good idea to make sure you know exactly what your level of coverage is, and the details of what you are covered for. No policy will provide protection in all circumstances, and you need to know what the exceptions are for your car insurance policy.

If you happen to be involved in an accident while out of state, contact your car insurance company immediately. You should do so even if it appeared to be a relatively minor occurrence and you don’t think that the other driver or the occupants of his or her car will be making any claims for damages.

In some cases, the full extent of a person’s injuries don’t become apparent for some time. Simply because the occupants of the other vehicle don’t make a claim immediately, it doesn’t mean they will not do so before the limitation period runs out. The sooner your insurer knows about the incident, the more effectively it can help you.